Quarter to the hour (The n in pona is very nasal and has no direct written equivalent in English and must be heard if it is to be repeated correctly):
1.45-pona be
2.45-pona tran
3.45-pona chaar
4.45-pona paanch
5.45-pons chhah
6.45-pona saat
7.45-pona aatth
8.45-pona nauv
9.45-pona dus
10.45-pona agyar
11.45-pona baarah
12.45-pono

Clock time

Five or ten minute increments before or after the hour or quarter past or half past or a quarter to positions are generally seen to be enough to describe time in Gujarati, although with digital clocks, you may use exact minutes.

Pona baar MA paanch is five minutes to a quarter to 12 with the MA suggesting before and paanch meaning 5 minutes, so this phrase says 5 minutes to a quarter to twelve.

Addhi ne paanch is five minutes past 2.30 with the NE suggesting AND, and the paanch meaning five minutes so this means five minutes past two thirty.

Dodh ne paanch is five minutes past 1.30 with the NE suggesting AND, and the paanch meaning five minutes so this means five minutes past one thirty.